40 Stevens St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 40 Stevens St, Andover, MA 01810

Property Summary

Property Type	Exempt (Full or Partial)
Details	5 bd · 2 ba · 2,259 sqft · built 1907
Lot Size	0.307 acres (13,390 sqft)
Owner	Company Name on Record
Last Sale	$479,000 (Dec 2023)
Tax Bill	$7,631 (2024)
Deeds & Mortgages	Apr 2025 Mortgage Jan 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00054 B:00016 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00054 B:00016 L:00000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	1 Story
Building Area	2,259 sqft Total Area
Gross Area	4,300 sqft
Basement Area	1,208 sqft
Unfinished Basement	1,208 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1907
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,390 sqft (0.307 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	40 STEVENS ST
City	ANDOVER
State	MA
Zip	01810-3521
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	SRA
Legal Subdivision	ANDOVER
Legal Block	16
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2002
Census Tract	254200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Andover Village Industrial District listed 1982 · 82 contributing resources · NRIS 82000476

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Essex County and Andover Town records, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	40 STEVENS ST, 42, ANDOVER, MA 01810-3521
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2025	Deed of Trust, Mortgage · Conventional Mortgage BANKESB
Jan 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Dec 26, 2023	Condominium Deed, Transfer · Stand-Alone First Mortgage READING COOPERATIVE BANK
Oct 23, 2018	Deed of Trust, Mortgage TD BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 26, 2023 · Amount on Record
Deed Sale	Dec 26, 2023 · Amount on Record
Prior Sale	Sep 29, 1980 · Amount on Record
Deed Book / Page	17903 / 179
Record Updated	Jun 8, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	40 STEVENS ST, ANDOVER, MA 01810-3521
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00018250-1
Date	Apr 14, 2025
Book Page	18250/1
Instrument	5445

Lender

Name	BANKESB

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2040

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	40 STEVENS ST, ANDOVER, MA 01810-3521
Transaction Type	Mortgage
Record Updated	Jan 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	018484-115
Date	Jan 7, 2026
Book Page	18484/115
Instrument	225

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2041

December 2023: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	ANDOVER MA
Recording Date	Dec 26, 2023
Property Address	40 STEVENS ST, ANDOVER, MA 01810-3521
Document Number	017903-179
Book / Page	17903 / 179
Instrument Date	Dec 18, 2023
Instrument	21236
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	40 STEVENS ST, ANDOVER, MA 01810-3521

Mortgage

Document Number	0000021237
Date	Dec 26, 2023
Instrument	21237

Lender

Name	READING COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	40 STEVENS ST, ANDOVER, MA 01810-3521
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15657-83
Date	Oct 23, 2018
Book Page	15657/83
Instrument	25865

Lender

Name	TD BANK NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

Source: Essex County and Andover Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Andover Town
Unified School District	Andover School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2024	$7,631.00 (-0.69%)	$592,500 (+5.33%) Land $303,000 Building $289,500
2023	$7,684.00	$562,500 Land $273,000 Building $289,500

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1978)
Most Recent Claim	Feb 1978 · Coastal Storms, Flood, Ice & Snow
Claims by Event	Coastal Storms, Flood, Ice & Snow, Feb 1978 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ANDOVER WATER DEPT serves 36,569 people · EPA ID MA3009000
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line replacement currently in violation since Nov 2021 Corrosion control Jan 2022
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 219 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000

May also be available: T-Mobile.

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